Idaho Cliff Calculator — 2026 ACA Subsidy

By Severance Calculator Editorial · Updated

Idaho Marketplace: Your Health Idaho

Idaho uses a state-based marketplace (SBM) called Your Health Idaho. Idaho residents enroll at Your Health Idaho — not HealthCare.gov.

Medicaid in Idaho: Idaho Medicaid

Idaho expanded Medicaid under the ACA. Idaho Medicaid covers adults to 138% FPL.

2026 SLCSP Benchmark Premiums (Idaho)

Statewide average monthly second-lowest-cost Silver plan (SLCSP) premiums by age. Actual premiums vary by rating area.

Age2130405060
Monthly SLCSP$410$465$524$732$1,113

2026 ACA Cliff Thresholds by Household Size (Idaho)

MAGI above these amounts zeros out the federal Premium Tax Credit. FPL region: contiguous48.

Household size12345
400% FPL cliff$62,600$84,600$106,600$128,600$150,600

Key Facts: Idaho ACA

Idaho is notable for being one of the original state-based marketplaces (SBM) established under the ACA in 2013 — operating as Your Health Idaho (yourhealthidaho.org) — and simultaneously one of the later states to complete Medicaid expansion via the ballot initiative process. As healthinsurance.org notes, 'Your Health Idaho applicants who appear to be eligible for Medicaid will be referred to Idaho Medicaid.'

Idaho voters approved Proposition 2 in November 2018 with 60.5% of the vote, directing the state to expand Medicaid under ACA criteria. The Legislature and Governor initially delayed implementation; after a court ruling, Idaho Medicaid expansion went live January 1, 2020, covering adults earning up to 138% FPL. Proposition 2 was a citizen initiative, reflecting voter support for expansion in a traditionally conservative state.

Idaho uses Your Health Idaho for marketplace enrollment — the only place Idaho residents can access federal Premium Tax Credits. There is no state-funded premium subsidy backfill for 2026. Idaho's SLCSP benchmark premiums (age 40: $524/month statewide) are moderate for the West.

Calculate your Idaho ACA cliff

Inputs default to Idaho; adjust to your household specifics. Cliff = $62,600 (HH=1) / $128,600 (HH=4).

Your situation

Member ages
self

Coverage

Income

You're under the cliff

100%138%200%300%400%

You are at 319% of the federal poverty level.

Annual PTC
$1,308
$109 / month
MAGI headroom before cliff
$12,600
until you hit 400% FPL

PTC dollar values use a state-level SLCSP estimate; verify your exact second-lowest-cost Silver plan on healthcare.gov for your zip.

Primary Sources

  1. healthinsurance.org — Idaho Marketplace
    “Your Health Idaho applicants who appear to be eligible for Medicaid will be referred to Idaho Medicaid”
  2. healthinsurance.org — Your Health Idaho SBM description
    “Idaho created its own state-based health insurance exchange (Marketplace), which is called Your Health Idaho.”

FAQ — Idaho ACA Cliff

What is the 2026 ACA subsidy cliff in Idaho?
For a household of 1, MAGI above $62,600 (400% of the 2025 FPL contiguous-48 base) zeros out the federal Premium Tax Credit under IRS Rev. Proc. 2025-25. Household of 4: $128,600. Idaho has no state subsidy backfill, so crossing this threshold eliminates all premium assistance.
What is Your Health Idaho?
Your Health Idaho (yourhealthidaho.org) is Idaho's state-based marketplace (SBM) — one of the original ACA marketplaces launched in 2013. It is the only place Idaho residents can access federal Premium Tax Credits to reduce insurance premiums. Open enrollment runs November 1 through December 15 (Idaho typically follows the federal FFM deadline for SBMs using federal infrastructure for some functions).
Did Idaho expand Medicaid?
Yes — Idaho voters approved Proposition 2 in November 2018 with 60.5% support, directing the state to expand Medicaid under ACA criteria. After legislative delay and a court ruling, expansion was implemented January 1, 2020. Idaho Medicaid now covers adults with income up to 138% FPL. Apply at accessidaho.org year-round.
How do I enroll in 2026 coverage in Idaho?
Idaho uses Your Health Idaho (yourhealthidaho.org) for marketplace enrollment. Open enrollment typically runs November 1 through December 15. Idaho Medicaid accepts applications year-round for adults at or below 138% FPL at accessidaho.org.
Does Idaho have a state subsidy on top of the federal PTC?
No — Idaho has no state-funded premium subsidy backfill in 2026. Residents rely solely on the federal Premium Tax Credit. When the ARPA-enhanced subsidies expired at end of 2025, Idaho took no state legislative action to backfill the lost assistance.
How is SLCSP calculated for Idaho?
The 2026 statewide SLCSP age-band averages for Idaho are: Age 21: $410/mo, Age 30: $465/mo, Age 40: $524/mo, Age 50: $732/mo, Age 60: $1,113/mo. These are statewide averages; rural Idaho counties may differ from Boise metro. The federal cliff distance (income vs. 400% FPL) is exact regardless of SLCSP precision.
Can I reduce my MAGI to stay below the 2026 cliff in Idaho?
Yes — common strategies include maximizing HSA contributions, deductible IRA or SEP-IRA/Solo 401(k) contributions if self-employed, harvesting capital losses, and deferring Roth conversions. Because Idaho has no state subsidy above 400% FPL, staying below the federal cliff has full dollar impact.

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